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216 North Harris Street
Sandersville, GA 31082

The Geo. D. Warthen Bank is headquartered in Sandersville and is the 101st largest bank in the state of Georgia. It is also the 3,566th largest bank in the nation. It was established in 1871 and as of March of 2014, it had grown to 47 employees at 2 locations. The Geo. D. Warthen Bank has a C health rating.

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Limited To Seven Georgia Counties

For their Rewards Checking:

"This product is limited to those persons residing in the following counties. Washington, Johnson, Jefferson, Hancock, Glascock, Baldwin, and Wilkinson."


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Geo. D. Warthen Bank had $6.34 million in non-current loans and owned real-estate with $14.46 million in equity and loan loss allowances on hand to cover it. This gives The Geo. D. Warthen Bank a Texas Ratio of 43.81% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Geo. D. Warthen Bank experienced no significant changes from 46.17% as of March 31, 2013 to 43.81% as of March 31, 2014, resulting in a positive change of 5.12%.This indicates that the balance sheet and financial strength for The Geo. D. Warthen Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, The Geo. D. Warthen Bank has decreased its total deposits by -$8.59 million, resulting in -5.78% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Geo. D. Warthen Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Geo. D. Warthen Bank has $159.94 million in assets with $14.46 million in equity, resulting in a capitalization level of 9.04%, which is average.

Institution Statistics

FDIC Certificate #2154
Year Established1871
Primary RegulatorFDIC
Assets and Liabilities
Assets$159.94 million
Loans$93.07 million
Deposits$139.91 million
Equity Capital$13.61 million
Loan Loss Allowance$854,000
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$5.24 million
Historic Data - March 2013
Assets$164.68 million
Equity Capital$15.57 million
Loan Loss Allowance$1.08 million
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$1.24 million
Profit Margin - Quarterly
Net Interest Margin4.29%
Return on Assets0.46%
Return on Equity5.42%
Interest Income$1.66 million
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The Geo. D. Warthen Bank Savings Account Rates

0.50%-$10kREALSaver - Qualifying
0.05%--REALSaver - Non Qualifying

The Geo. D. Warthen Bank Checking Account Rates

0.90%-$10kReward Checking-REALSaver - Qualifying
0.90%-$10kReward Checking - Qualifying
0.05%--Reward Checking-REALSaver - Non Qualifying
0.05%--Reward Checking - Non Qualifying

The Geo. D. Warthen Bank Locations
The Geo. D. Warthen Bank216 North Harris StreetSandersville, GA 31082
Limited Service Facility603 South Harris StreetSandersville, GA 31082